Adoption of Mobile Banking in Dhaka City

Abstract

Globally, mobile banking is becoming more and more popular as a substitute for cash, . The main goals of this research are to identify the key variables affecting the uptake of mobile banking and to recommend this technology. In order to fully tackle the intricacies of user behavior, the research incorporates three notable models: (VAM), (DOI) and (TRA). Bangladesh, an Asian nation, provided 185 replies to an online survey that was used to experimentally test the study model. The structural equation modelling method was used to analyze the data (SEM). In terms of the adoption of mobile banking and the intention to recommend this technology, we found that Effort Expectancy (EE), Perceived Behavioural Quality (PBQ), Performance Expectancy (PE), Social Influence (SI), Task-Technology Fit (TAC), and Technology Characteristics (TEC) had significant direct and indirect effects. Moreover, the addition of perceived trust and personal inventiveness as moderators results in improvements to the R2 and Q2, respectively. This research aims to develop a complete model that captures the complex interaction of factors impacting the behavioural intentions and actual adoption of mobile banking systems in Dhaka City. Bangladesh's tech-savvy Generation Z. It does this by synthesizing VAM, DOI, and TRA. It is anticipated that the results will provide insight into practical tactics for encouraging the country's wide adoption and use of mobile banking technologies